| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON NICKEL3 | 4808 BROADMOOR SOUTHEAST GRAND RAPIDS, MI 49515 | PRIORITY HEALTH INSURANCE COMPANY | $43K | $0 | $43K | 3.00% |
| JASON NICKEL3 | 4808 BROADMOOR SOUTHEAST GRAND RAPIDS, MI 49515 | PRIORITY HEALTH | $10K | $0 | $10K | 3.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 1115 TAYLOR AVENUE NORTH GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $34 | $30K | 13.05% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 877 EAST 16TH STREET PO BOX 1439 HOLLAND, MI 49423 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.84% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 4808 BROADMOOR AVENUE SOUTHEAST GRAND RAPIDS, MI 49512 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 5.02% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 360 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 451 | $171K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $226K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $226K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $226K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $226K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 360 | $1.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.